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adversary mtg

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    adversary mtg

    hi. new to the forum. I am in a bad situation. I have 40,000 of cc debt that has accumulated in the last 2 mths. How long should I wait to file and should I try to make min. pymnts? How likely are these creditors to dispute my discharge?

    #2
    Why exactly did you accumulate $40,000 in just 2 months? You will have to wait a minimum of 60 days to file, but you are better off waiting 12 months if you hold on.

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      #3
      because I am an idiot. I have a gambling prob. Actually, I could have paid for this, but two weeks ago, my husband informs me that he is changing jobs and he is taking a 24K pay cut. That is where the prob. stems. I was going to wait until Aug to file, but should I wait longer. My attny seems like none of this is a big deal and he keeps telling me that "adversary mtgs are rare"

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        #4
        Well, you should probably speak with an attorney. However, if the debt is mostly gambling related, you should probably wait at least a year before filing a BK to avoid most objections. However, a local attorney will have better insight.

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